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research library H.2, ANNOUNCEMENT BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM 1991, No. 34 and fc^|^l|catiops ^and'Reports Received D u r i n g " ‘ l ading August 24, 1991 ACTIONS TAKEN BY THE BOARD OF GOVERNORS BANK HOLDING COMPANIES Fleet / Norstar Financial Group, Providence, Rhode Island — petition for reconsideration of the BoardTs approval of the applications to acquire the Bank of New England bridge banks. Denied, August 21, 1991. BOARD OPERATIONS Office of the Secretary — appointment of Richard C. Stevens as Visiting Assistant Secretary for a oneyear period beginning September 30, 1991. Approved, August 23, 1991. INTERNATIONAL OPERATIONS Morgan Guaranty International Finance Corporation, New York, New York — to make an additional investment in J.P. Morgan Securities Limited, London, England. Approved, August 19, 1991. ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY ABBREVIATIONS! BS&R - Banking Supervision and Regulation; C&CA - Consumer and Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve Bank Operations; IF - International Finance; OSDM - Office of Staff Director for Management BANK BRANCHES» DOMESTIC Cleveland Commercial & Savings Bank, Millersburg, Ohio — to establish a branch at 4585 State Route 39, Suite B, Berlin, Ohio. Approved, August 20, 1991. Richmond First Virginia Bank - Colonial, Richmond, Virginia — to establish a branch in the Virginia Center Commons Mall, U. S. Route 1, Glen Allen, Virginia. Approved, August 19, 1991. Richmond First Virginia Bank of Tidewater, Norfolk, Virginia - to establish a branch in Chesapeake Square Mall, 4200 Portsmouth Boulevard, Chesapeake, Virginia. Approved, August 19, 1991. H.2 AUGUST 19, 1991 PAGE 2 TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK BRANCHES, DOMESTIC San Francisco Rio Salada Bank, Tempe, Arizona — to establish a branch at 35 Brown Road, Mesa, Arizona. Approved, August 21, 1991. Atlanta St. Bernard Bank & Trust Company, Arabi, Louisiana — to establish branches at 140 Carondelet Street, New Orleans; and 1300 Veterans Memorial Boulevard, Metairie, through acquisition of Commonwealth Federal Savings Association, New Orleans, Louisiana. Approved, August 20, 1991. BANK HOLDING COMPANIES Chicago Alpha Financial Group, Inc., Minonk, Illinois — acquire Washburn Bancshares, Inc., Washburn, Illinois, and The Washburn Bank. Approved, August 20, 1991. S t . Louis Area Bancshares Corporation, Owensboro, Kentucky — to engage de novo in lending activities. Permitted, August 22, 1991. Cleveland Banc One Corporation, Columbus, Ohio — to acquire Banc One M&M Federal Savings Bank, Columbus, Ohio (interim savings bank), which was formed to acquire certain assets and assume certain liabilities of Merchants and Mechanics Federal Savings and Loan Association, Springfield, Ohio. Approved, August 23, 1991. Chicago Bank Management Group, Ltd., Manchester, Iowa — acquire First Winthrop Bancorporation, Inc., Winthrop, Iowa, and Peoples State Bank. Approved, August 22, 1991. Richmond BB&T Financial Corporation, Wilson, North Carolina — proposal that Branch Banking and Trust Company, - mergewith Albemarle Bank, the successor to Albemarle Savings and Loan Association, Elizabeth City, North Carolina. Approved, August 23, 1991. to to H.2 AUGUST 19, 1991 PAGE 3 TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Richmond BB&T Financial Corporation* Wilson* North Carolina proposal that Branch Banking and Trust Company* merge with Gate City Bank* the successor to Gate City Federal Savings and Loan Association. Approved* August 23* 1991. Secretary First of America Bank Corporation* Kalamazoo* Michigan — to acquire Morgan Community Bancorp* Ittc.* Jacksonville* Illinois* and Morgan County Community Bank. Approved* August 19* 1991. Secretary First of America Bank Corporation* Kalamazoo* Michigan — to acquire Morgan Community Bancorp* Inc.* Jacksonville* Illinois* and Morgan County Community Bank. Approved* August 19, 1991. Chicago Garwin Bancorporation* Garwin* Iowa — to acquire Garwin Insurance Agency* and engage in general insurance agency activities. Returned* August 22* 1991. Minneapolis GB Financial Services* Inc.* Greenbush* Minnesota to acquire Greenbush Bancshares* Inc. Returned* August 22* 1991. Kansas City MidAmerican Corporation* Prairie Village* Kansas — to merge with Kaw Valley Bancshares* Inc.* Kansas City* Kansas. Approved* August 21, 1991. Minneapolis Norwest Corporation* Minneapolis* Minnesota — to engage in general insurance activities through Norwest Bank Wisconsin in East Central Sheboygan* Wisconsin. Approved* August 23* 1991. Kansas City Whitcorp Financial Corporation* Leoti* Kansas — to acquire Lamar Interim Federal Savings Association and Lamar Industrial bank. Approved* August 23* 1991. H.2 AUGUST 19, 1991 PAGE 4 TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Kansas City Yutan BanCorp, Inc,a Yutan, Nebraska — to engage in insurance activities through Yutan Insurance Agency. Approved, August 21, 1991. CAPITAL STOCK Dallas First National Bancshares of Scott City, Scott City, Kansas — redemption of shares. Approved, August 23, 1991. Kansas City FSC Bancshares, Inc., Cameron, Missouri — of shares. Approved* August 23, 1991. Chicago Panhandle Aviation, Inc., Clarinda, Iowa — redemption of shares. Approved, August 21, 1991. redemption CHANCE IN BANK CONTROL Minneapolis Bancommunity Service Corporation, St. Peter, Minnesota — change in bank control. Permitted, August 19, 1991. Dallas Central Corporation, Monroe, Louisiana — bank control. Permitted, August 21, 1991. Dallas Citizens Bankshares of Springhill, Inc., Springhill, Louisiana — change in bank control. Permitted, August 23, 1991. Kansas City FSC Bancshares, Inc., Cameron, Missouri — bank control. Permitted, August 23, 1991. Minneapolis Gale Bank Holding Company, Inc., Galesville, Wisconsin — change in bank control. Permitted, August 21, 1991. Dallas Hometown Bancshares, Inc., Houston, Texas -- change in bank control. Returned, August 20, 1991. change in change in H.2 AUGUST 19, 1991 PAGE 5 TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY CHANGE IN BANK CONTROL Minneapolis McIntosh County Bank Holding Company* Inc.* Ashley* North Dakota — change in bank control. Permitted* August 19* 1991. S t . Louis Trigg Bancorp* Inc.* Cadiz* Kentucky — bank control. Permitted* August 20* 1991. change in COMPETITIVE FACTORS REPORTS Kansas City Blue Valley National Bank* Marysville* Kansas* proposed merger with Exchange Bank of Schmidt and Koester — report on competitive factors. Submitted* August 20* 1991. Atlanta First Bancshares of St. Landry* Inc.* Opelousas* Louisiana — proposed acquisition of Iberia Bancshares Corporation* New Iberia* Louisiana* and Bank of Iberia — report on competitive factors. Submitted* August 19* 1991. Secretary FirstBank at 88th / Wadsworth* N.A.* Westminster* Colorado* proposed merger with FirstBank at 120th / Colorado* N.A.* Thornton* Colorado — report on competitive factors. Submitted* August 23* 1991. Secretary FirstBank of Aurora* N.A.* Aurora* Colorado* proposed merger with FirstBank at Buckley / Quincy* N.A. — report on competitive factors. Submitted* August 23* 1991. Secretary FirstBank of Avon* Avon* Colorado* proposed merger with FirstBank of Beaver Creek* N.A.* Beaver Creek* Colorado — report on competitive factors. Submitted* August 23* 1991. Secretary FirstBank of Boulder* N.A.* Boulder* Colorado* proposed mergfer With FirstBank at 30th / Arapahoe* N.A.* and First Bank of Table Mesa* N.A. — report on competitive factors. Submitted* August 23* 1991. H.2 AUGUST 19, 1991 PAGE 6 TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Secretary FirstBank of North Longmont, N.A., Longmont, Colorado, proposed merger with FirstBank of South Longmont, N.A. — report on competitive factors. Submitted, August 23, 1991. Secretary FirstBank of Republic Plaza, N.A., Denver, Colorado, proposed merger with FirstBank at 9th / Corona, N.A. — report on competitive factors. Submitted, August 23, 1991. Secretary FirstBank of Tech Center, N.A., Greenwood Village, Colorado, proposed merger with FirstBank of Southmoor Park, N.A., Denver, Colorado — report on competitive factors. Submitted, August 23, 1991. Secretary FirstBank of Vail, Vail, Colorado, proposed merger with FirstBank of Minturn, Minturn, Colorado, and FirstBank of West Vail, Vail, Colorado — report on competit ive factors. Submitted, August 23, 1991. Secretary FirstBank of Vila Italia, N.A., Lakewood, Colorado, proposed merger with FirstBank of Green Mountain, N.A. — report on competitive factors. Submitted, August 23, 1991. Secretary FirstBank of Wheat Ridge, N.A., Wheat Ridge, Colorado, proposed merger with FirstBank of Edgewater, N.A. Edgewater, Colorado — report on compet it ive factors. Submitted, August 23, 1991. Richmond Granville Federal Savings and Loan Association, Inc., Oxford, North Carolina, proposed merger with Fidelity Interim Savings and Loan Association, Inc. — report on competitive factors. Submitted, August 23, 1991. Cleveland Hunter Savings Association, Cincinnati, Ohio, proposed merger with New Hunter Savings Association — report on competitive factors. Submitted, August 20, 1991. H.2 AUGUST 19, 1991 PAGE 7 TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Richmond Old Colony Trust Company of South Carolina, Hilton Head, South Carolina, proposed merger with NCNB National Bank of South Carolina, Columbia, South Carolina — report on competitive factors. Submitted, August 21, 1991. St. Louis Roosevelt Interim Federal Savings Bank, Gillespie, Illinois, proposed assumption of deposit liabilities of the Gillespie, Illinois, branch of Roosevelt Bank, A Federal Savings Bank, Chesterfield, Missouri — report on competitive factors. Submitted, August 20, 1991. Dallas Wharton Bank and Trust Company, Wharton, Texas, proposed merger with Cleveland Bank and Trust, Cleveland; First State Bank, Cypress; and Park Tower National Bank, Houston, Texas — report on competitive factors. Submitted, August 20, 1991. Philadelphia Wilmington Trust Company, Wilmington, Delaware, proposed acquisition of eight branches of Wilmington Savings Fund Society — report on competit ive factors. Submitted, August 22, 1991. Atlanta Wiregrass Bancorporation, Ashford, Alabama, proposed acquisition of Barbour County Bank, Clayton, Alabama — report on competitive factors. Submitted, August 19, 1991. Richmond Wood County Bank, Parkersburg, West Virginia, proposed merger with WC Interim Bank, Inc. — report on competitive factors. Submitted, August 22, 1991. H.2 AUGUST 19, 1991 PAGE 8 TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY EXTENSIONS OF TIME Chicago Bancs of Chicago Bancorp, Inc., Winnetka, Illinois — extension to November 30, 1991, to acquire GEMA Financial Corporation; Bank of Chicago - Little Village, Chicago; Tsvaiter Financial Corporation; Winnetka, Bank of Chicago- Garfield Ridge, Chicago; Dritter Financial Corporation, Winnetka; Bank of Chicago - Lakeshore; Ershter Financial Corporation; and Bank of Chicago - Little Village, Chicago, Illinois. Granted, August 21, 1991. Richmond DNB Financial Corporation, Mullins, South Carolina — extension to December 4, 1991. to acquire Davis National Bank. Granted, August 23, 1991. Chicago Ershter Financial Corporation, Winnetka, Illinois — extension to November 30, 1991, to acquire Bank of Chicago - Little Village, Chicago, Illinois. Granted, August 21, 1991. Cleveland First Financial Bancorp, Monroe, Ohio — extension to November 24, 1991, to acquire Home Federal Bank, F.S.B., Hamilton, Ohio. Granted, August 19, 1991. San Francisco First Interstate Bancorp, Los Angeles, California — extension to divest certain property. Granted, August 23, 1991. Atlanta Founders Financial Corporation, Naples, Florida — extension to December 4, 1991, to acquire Colonial National Bank, Fort Myers, Florida. Granted, August 20, 1991 . Chicago GEMA Financial Corporation, Winnetka, Illinois — extension to November 30, 1991, to acquire Tsvaiter Financial Corporation; the Bank of Chicago Garfield Ridge, Chicago; Dritter Financial Corporation, Winnetka; Bank of Chicago - Lakeshore, Chicago; Ershter Financial Corporation, Winnetka, and Bank of Chicago - Little Village, Chicago, Illinois. Granted, August 21, 1991. H.2 AUGUST 19, 1991 PAGE 9 TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY EXTENSIONS OF TIME Chicago Park Bancorporation, Inc., Madison, Wisconsin — extension to October 17, 1991, to redeem stock. Granted, August 20, 1991. Atlanta SB Holdings, Inc., Douglasville, Georgia — extension to December 1, 1991, to acquire Southern National Bank. Granted, August 22, 1991. San Francisco Security Pacific Corporation, Los Angeles, California — extensions to divest certain properties. Granted, August 20, 1991. San Francisco Security Pacific Corporation, Los Angeles, California — extensions to divest certain properties. Granted, August 20, 1991. San Francisco Security Pacific Corporation, Los Angeles, California — extension to divest certain property. Granted, August 20, 1991. San Francisco Sumitomo Bank, Limited, Osaka, Japan — extension to November 22, 1991, to engage in nonbank trust and investment advisory activities through Sumitomo Bank Investment Management Inc., New York, New York. Granted, August 21, 1991. San Francisco U.S. Bancorp,. Portland, Oregon — divest certain properties. Granted, August 20, 1991. extensions to REGULATIONS AND POLICIES Secretary FOMC Federal Open Market Committee — policy record for the meeting of July 2-3, 1991. Published, August 23, 1991. H.2 AUGUST 19, 1991 PAGE 10 TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY RESERVE BANK OPERATIONS Collection of Cash Items and Returned Checks — amendments to clarify operating circular. Approved, August 22, 1991. GC Staff IF Director Federal R e s e r v e Bank standard terms and correspondents. Approved, August 20, of N e w Y o r k — c o n d i t i o n s for 1991. amendment foreign to the H 2 AUGUST 19, 1991 PAGE 11 ADDITIONS AND CORRECTIONS TO AUGUST 23, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES S t . Louis Arvest Bank Group, Inc., Bentonville, Arkansas 7 - to acquire Arvest Federal Savings and Loan, F.A., Tulsa, Oklahoma, an interim thrift, which was formed to purchase certain assets and assume deposit liabilities of the Downtown Highland Park, Longview, and 71st Street branches in Tulsa, Oklahoma, Broken Arrow and Timberbrook branches in Broken Arrow, Oklahoma, and the Shawnee, Oklahoma, branch of State Federal Savings Association, Tulsa, Oklahoma. Approved, August 16, 1991. Cleveland Banc One Corporation, Columbus, Ohio — to purchase the assets and assume the liabilities of two branches of Freedom Savings Association. Approved, August 9, 1991. Kansas City Citizens Dimension Bancorp, Inc., Muskogee, Oklahoma — to acquire Citizens Bank of Northwest Arkansas, Fayetteville, Arkansas. Approved, August 16, 1991. COMPETITIVE FACTORS REPORTS S t . Louis First Bank, Lawrenceville, Illinois, proposed merger with Salem National Bank, Salem, Illinois — report on competitive factors. Submitted, August 16, 1991. S t , Louis Senatobia Bank, Senatobia, Mississippi, proposed merger with Citizens State Bank, Coldwater, Mississippi — report on competitive factors. Submitted, August 16, 1991. FEDERAL RESERVE BANK OF BOSTON APPLICATIONS S E C T I O N I - A P P L I C A T I O N S S U B J E C T TO N E W S P A P E R N O TICE ONLY Application Co m m e n t P e r i o d E n d i n g Date NON E S E C T I O N II - A P P L I C A T I O N S S U BJECT TO BOT H NEWSPAPER AND FEDERAL REGISTER NOTICE Application C o m m e n t P e r i o d E n ding Date NON E S E C T I O N III - A P P L I C A T I O N S SUBJECT TO F E D E R A L R E G I S T E R N O T I C E ONL Y Application C o mment Peri o d E n ding Date NONE SE C T I O N IV - A P P L I C A T I O N S NOT SU B J E C T TO FEDERAL REGISTER OR NEWSPAPER NOTICE Application NON E S E C T I O N V - A V A I L A B I L I T Y OF C R A P U B L I C E V A L U ATIONS Institution NONE E x a m i n a t i o n Date Federal Reserve Bank of New York Comment Period Ending Date SECTION I Applications Subject to Newspaper ___________ Notice Only_________ Manufacturers Hanover Trust Company, New York, New York to establish an offsite electronic facility at 1 Metro Tech Center, Brooklyn, New York. 9/16/91 Norstar Bank of Upstate NY, Albany, New York to establish a branch at Fleet Factors Corporation, 1450 Broadway, New York, New York. 9/20/91 SECTION II Applications Subject to Both Newspaper and Federal Register Notice None. SECTION III Nonbanking Applications (Subject to Federal Register Notice Only) None. SECTION IV Applications Not Involving ______ Public Comment______ None. Availability of CRA Public Evaluations Week Ending August 24. 1991 NAME OF BANK Community Bank of Bergen County 125 West Pleasant Avenue Maywood, New Jersey 07607 1/ 2/ 3/ 4/ EXAMINATION DATE March 18, 1991 Subject to provisions of Community Reinvestment Act. Later of dates specified in newspaper and Federal Register notices. Date specified in newspaper notice; a later date may be specified in the Federal Register notice. N/A - Not Available Date specified in Federal Register notice? a later date may be specified in the newspaper notice. FEDERAL RESERVE BANK OF PHILADELPHIA SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Comment Period Ending Date United Bank of Philadelphia (in organization), Philadelphia, PA to become a member of the Federal Reserve System, pursuant to Section 9 of the Federal Reserve Act and Section 208.4 of Regulation H. 9/21/91 SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Comment Period Ending Date Fulton Financial Corporation, Lancaster, PA 1/ to acquire Great Valley Savings Association, Reading, PA pursuant to Section 3(a)(3) of the Bank Holding Company Act. (Great Valley was previously acquired as a thrift institution and is converting into a savings bank from a savings association.) Newspaper: Federal Register: 9/12/91 N/A* SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY Comment Period Ending Date National Penn Bancshares, Inc., Boyertown, PA seeks approval to establish Sellersville Interim Federal Savings and Loan Association pursuant to Section 4(c)(8) of the Bank Holding Company Act. (Sellersville Savings and Loan Association will merge into the Interim S&L which will then merge into the National Bank of Boyertown, PA.) N/A* SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE None. 1/ * Subject to provisions of Community Reinvestment Act. N/A - not yet available. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS For week endina 8/23/91 Institutions Examination Date None. Federal Reserve Bank of Cleveland A p p lic a tio n s B u lle tin F o r Week E n d in g A u g u st 2 4 , 1991 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY NONE SECTION I I - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE NONE SECTION I I I - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY NONE SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE NONE* * N F # - S u b j e c t t o CRA - N ew spap er Comment P e r i o d - F e d e r a l R e g i s t e r Comment P e r i o d - E x p e c t e d t o end a p p r o x i m a t e l y 3 0 d a y s fro m t h e d a te o f r e c e i p t o f th e a p p lic a tio n AVAILABILITY OF CRA PUBLIC EVALUATIONS (August 24, 1991) The follo w i n g state m e m b e r banks h a v e been exa m i n e d by the Federal R e s e r v e Bank of C l e v e l a n d for c o m p l i a n c e w i t h The C o m m u n i t y R e i n v e s t m e n t Act. A p u b l i c e v a l u a t i o n d o c u m e n t b e came av a i l a b l e from the bank(s) listed b e l o w d u r i n g the w e e k ended A u g u s t 24, 1991. If you are i n t e rested in o b t a i n i n g a copy of an e v a l u a t i o n document, p l ease c o ntact the bank(s) directly. The N e w M a r t i n s v i l l e Bank 190 M a i n Street N e w Martinsville, West V i r g i n i a 26155 (304) 455-1300 Examined: M a y 20, 1991 Federal Reserve Bank of Richmond Section I - Applications Subject to Newspaper Notice Onlv Application Comment Period Ending Date Signet Bank/Maryland, Baltimore, Maryland, to acquire certain assets and assume approximately $14 million in deposit liabilities of Signet Bank, National Association, Washington, D. C.* 9-15-91 Section II - Applications Subiect to Both Newspaper and Federal Register Notice Application Comment Period Ending Date NCNB Corporation, Charlotte, North Carolina, for prior approval to acquire C&S/Sovran Corporation, Atlanta, Georgia, and Norfolk, Virginia.* 9-19-91 Section III - Applications Subiect to Federal Register Notice Comment Period Ending Date Application CCB Financial Corporation, Durham, North Carolina, to engage in making and servicing credit card loans. 9-11-91** Crestar Financial Corporation, Richmond, Virginia, to engage in the sale of variably denominated official payment instruments. Not yet available. American National Bankshares, Inc., Danville, Virginia, to acquire 19% of Danville Community Development Corporation, Danville, Virginia. Not yet available. Section IV - Applications Not Subiect to Federal Register Notice or Newspaper Notice Application None. ★Application is subject to CRA. ★★Expiration of comment period specified in the Federal Register. Federal Reserve Bank of Richmond Availability of CRA Public Evaluations Week ending August 23, 1991 Examination Date None. Federal Re s e r v e Bank of A t l a n t a A p p l i c a t i o n s B u l l e t i n for W e e k Endi n g A u g u s t 23. 1991 Se c t i o n 1 - A p p l i c a t i o n s Subject to N e w s p a p e r N o t i c e O n l y Application C omment P e r i o d E n d i n g Date CJH B r o w n i n g B a n k Miami, F l o r i d a To b e c o m e a m e m b e r of the Federal R e s e r v e System, p u r s u a n t to S e ction 9 of the F ederal R e s e r v e Act. N o t yet a vailable* Equitable Bank N o r t h Miami, Florida To e s t a b l i s h a b r a n c h offi c e to be k n o w n as Equit a b l e B a n k Fort La u d e r d a l e Bank i n g Center, located at 612 S.E. 5th Avenue, Fort Lauderdale, Florida. N o t y e t a vailable* Tru s t Co m p a n y B a n k 07-15-91* Atlanta, G e o r g i a To e s t a b l i s h a b r a n c h office to be k n o w n as St. J o s e p h ' s H o s p i t a l Office, located at 5671 P e a c h t r e e D u n w o o d y Road, Atlanta, Georgia. Trust Company Bank Atlanta, G e o r g i a To e s t a b l i s h an o ff-site ATM, to be k n o w n as P i e d m o n t H o s p i t a l ATM, located at 1968 P e a c h t r e e Road, Atlanta, Georgia. 07-15-91* T r u s t C o m p a n y Bank Atlanta, Georgia To e s t a b l i s h an off-site ATM, to be located at 3 R a v i n i a Drive, Atlanta, Georgia. 08-11-91* S e ction 2 - A p p l i c a t i o n s S ubject To B o t h N e w s p a p e r and Federal R e g i s t e r N o t i c e Application C o mment P e r i o d E n d i n g Date Wiregrass Bancorporation Ashford, A l a b a m a To a c q u i r e B a r b o u r C o unty Bank, Clayton, Alabama, a p r o p o s e d n e w m e m b e r bank. 09-13-91* Newspaper B r o w n i n g P a r t n e r s International, Inc. Miami, Flor i d a 1-BHC formation, C J H B r o w n i n g Bank, Miami, Florida. N o t y e t avail a b l e * Hardwick Holding Company Dalton, Georgia To merge with Peoples Bartow Corporation, Cartersville, Georgia, and thereby directly acquire its subsidiary bank, Peoples Bank of Bartow County, Cartersville, Georgia. Not y e t available* Section 3 - Applications Subject to Federal Register Notice Only Comment Peri o d Ending Date Application None. Section 4 - Applications Not Subject to Federal Register Notice or Newspaper Notice Application The Flagler Corporation West Palm Beach, Florida Commitment waiver request. Rhea County Financial Corporation Spring City, Tennessee To redeem 10 percent of its outstanding shares of common stock. Section 10 - Availability of CRA Public Evaluations The CRA public evaluations of the institutions listed below became available during the week ending August 23, 1991. Information about an institution's CRA evaluation may be obta i n e d directly from the institution. Bank Examination Date First Bank of Boaz Post Office Drawer X Boaz, Alabama 35957 (205) 593-8670 05-20-91 Mercantile Bank of Naples Post Office Box 413042 Naples, Florida 33941 (813) 263-4400 05-20-91 ♦Subject to Provisions of Community Reinvestment Act. Federal Reserve Bank of Chicago Type Section I - Applications Subject to Newspaper Notice Only Continued Comment Period Ending natp> Application Branch Old Rent Bank of Kalamazoo Kalamazoo, Michigan 1937 Oak Street Niles, Michigan* N - ** Branch Old Kent Bank of Kalamazoo Kalamazoo, Michigan 201 W. Mars Street Berrien Springs, Michigan* N - ** Branch Old Rent Bank of Kalamazoo Kalamazoo, Michigan 205 S. Front Street Dowagiac, Michigan* N - ** Branch Old Kent Bank of Kalamazoo Kalamazoo, Michigan 22405 U.S. 12 East Adamsville, Michigan* N - ** Branch Old Kent Bank of Kalamazoo Kalamazoo, Michigan 3158 S. 11th Street Niles, Michigan* N - ** Branch Old Kent Bank of Kalamazoo Kalamazoo, Michigan 322 Broadway Niles, Michigan* N - ** Branch Old Rent Bank of Kalamazoo Kalamazoo, Michigan 4009 Red Arrow Highway St. Joseph, Michigan* N - ** Branch Old Rent Bank of Kalamazoo Kalamazoo, Michigan 4050 Pipestone Sodas, Michigan* .N - ** Branch Old Rent Bank of Kalamazoo Kalamazoo, Michigan 702 East Front Street Buchanan, Michigan* N - ** Branch Old Kent Bank of Kalamazoo Kalamazoo, Michigan 715 Ship Street St. Joseph, Michigan* N - ** Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspaper and Federal Register Notice Comment Period E n d in g n a t e Application Type Y-l Lake Forest Bancorp, Inc. Lake Forest, Illinois Lake Forest Bank and Trust Company Late Forest, Illinois (in organization)* FR - 9-9-91 N - 8-30-91 Y-l Belleville Bancshares Corporation Belleville, Wisconsin Belleville State Bank Belleville, Wisconsin* FR - ** N - 9-20-91 Y-l G.R. Bancorp, Ltd. Grand Ridge, Illinois The First National Bank of Grand Ridge Grand Ridge, Illinois* FR - ** N - ** Y-2 Heartland Financial USA, Inc. Dubuque, Icwa Galena Bancorp, Inc. Galena, Illinois Galena State Bank and Trust Company Galena, Illinois* FR - ** N - ** CoC-HC Central Illinois Financial Corporation Champaign, Illinois Gene A. Salmon FR - ** N - ** Y-l Oak Bancorporation Red Oak, Icwa Oakland State Bank Oakland, Iowa* FR - 9-3-91 N - 9-1-91 Y-l Nichols Bancorp, Inc. Nichols, Wisconsin State Bank of Nichols Nichols, Wisconsin* FR - ** N - ** Section III - Applications Subject to Federal Register Notice Only Comment Period Type Application Y-4 Centred Illinois Financial Corporation FR - *.* Champaign, Illinois Heartland Federal Savings and Loan Association Mattoon, Illinois Ending natia Section IV - Applications Not Subject to Federal Register or Newspaper Notice Type Application None N - Newspaper FR - Federal Register * - Subject to Provisions of Ccxnmunity Reinvestment Art ** - Not available at this time AVAILABILITY OF CRA PUBLIC EVALUATIONS The following institutions were examined for CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the week ending August 23, 1991. BANK NAME/LOCATION EXAMINATION DATE -Icwa State Bank and Trust Company Comer of Court and Broadway P.O. Box 927 Fairfield, Iowa 52556 5/13/91 -Old Kent Bank of Hillsdale 10 South Broad Street Hillsdale, Michigan 49242 5/13/91 -The Henry County Bank 107 First Street P.O. Box 248 Colona, Illinois Federal Reserve Bank of St. Louis FOR THE WEEK ENDING AUGUST 23, 1991 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE Application End of Comment Period * Section 18(c) application by United Missouri Bank Northeast, Monroe City, Missouri to merge with United Missouri Bank of Paris, Paris, Missouri Not yet available. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Application * Section 3(a)(3) application by First Holmes Corporation, Lexington, Mississippi to acquire shares of Citizens Financial Corporation, Belzoni, Mississippi End of Comment Period Not yet available. SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE Application * Section 4(c)(8) application by Union Planters Corporation to indirectly acquire Fidelity Bancshares, Inc., Nashville, Tennessee, thereby acquiring its wholly owned subsidiary, Fidelity Federal Bank, A Federal Savings Bank, Nashville, Tennessee End of Comment Period Not yet available. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE End of Comment Period Application Stock redemption notification by First City Bancshares, Inc., Springfield, Missouri Not applicable. Stock redemption notification by Carlisle Bancshares, Inc., Little Rock, Arkansas Not applicable. This application is subject to CRA. Federal Reserve Bank of St. Louis FOR THE WEEK ENDING AUGUST 23, 1991 AVAILABILITY OF CRA PUBLIC DISCLOSURES Bank Name First State Bank of Beebe American Bank of St. Louis Bank Address P. 0. Box 2000 Beebe, Arkansas Examinatioi Date 5-20-91 72012 1731 S. Broadway St. Louis, Missouri 5-13-91 63104 FEDERAL RESERVE BANK OF M INNEAPOLIS Section I - Applications Subject to Newspaper Notice Only Comment Period Ending Date Application None. Section II - Applications Subject to Both Newspaper and Federal Register Notice Comment Period Ending Date Application None. Section III - Applications Subject to Federal Register Notice Only Comment Period Ending Date Application Security Richland Bancorporation Miles City, MT To engage &e novo in providing data processing services. Not yet available Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application None. FEDERAL RESERVE BANK OF MINNEAPOLIS Section V - Availability of CRA Public Evaluations week ending August 23, 1991 Bank Name Western Bank Address/ City/State Phone Number/ Examination Date P. 0. Box 1225 Sioux Falls, SD (605) 335-5421 May 20, 1991 Federal Reserve Bank of Kansas City SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER N O T I C E ONLY APPLICATION COMMENT PERIOD ENDING DATE None. SECTION II - APPLICATIONS SUBJECT T O BOTH NEWSPAPER AND FEDERAL REGISTER NO T I C E APPLICATION COMMENT PERIOD ENDING DATE G a r y A c k e r , F l o w e r C i t y , T e x a s , to a c q u i r e 9 1 . 7 4 6 9 p e r c e n t of H a r r a h N a t i o n a l B a n c s h a r e s , Inc., H a r r a h , Oklahoma. Not Available W i l l i a m Slocum, Franklin, Nebraska, i n d i v i d u a l l y a n d as t r u s t e e , for a p p r o v a l to r e t a i n a 4 6 . 5 7 p e r c e n t o w n e r s h i p i n t e r e s t in F r a n k l i n S t a t e B a n c s h a r e s , Inc., F r a n k l i n , N e b r a s k a Not Available L o w r y F a c i l i t i e s , Inc., C l i n t o n , O k l a h o m a , for p r i o r a p p r o v a l to a c q u i r e 3 7 . 0 0 p e r c e n t of t h e v o t i n g s h a r e s of O k l a h o m a B a n c o r p o r a t i o n , Inc., C l i n t o n , O k l a h o m a . * Not Available SECTION III - APPLICATIONS SUBJECT TO FEDERAL REG I S T E R NOTICE ONLY APPLICATION C i t y C e n t e r B a n k of C o l o r a d o , A u r o r a , C o l o r a d o , for p r i o r a p p r o v a l for m e m b e r s h i p in the F e d e r a l R e s e r v e System. COMMENT PERIOD Not ENDING DATE Available SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL R EGISTER NOTICE OR NEWSPAPER NOTICE APPLICATION None. Federal Reserve Bank of Kansas City SECTION X - AVAILABILITY OF CRA PUBLIC EVALUATIONS * BANK/LOCATION EXAMINATION None. *Application is s u b j e c t to CRA. DATE FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF AUGUST 19, 1991 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION ** NOTICE EXP Change in Control Notice by Clear Lake National Bank Employee Stock Ownership Plan and Trust, Houston, TX, to acquire an interest in Hometown Bancshares, Inc., Houston, TX 09/01/91 Change in Control Notice by Murray C. Marie, Carthage, TX, to acquire an interest in Carthage Bancshares, Inc., Carthage, TX N/A SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE APPLICATION None. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS FOR THE WEEK OF AUGUST 19, 1991 Bank Community Bank P. 0. Box 737 Katy, Texas 77492 Date of Examination 05/28/91 * SUBJECT TO CRA. ** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY. N/A - NOT AVAILABLE AT THIS TIME. FEDERAL RESERVE BANK OF SAN FRANCISCO Week ending 8/23/91 Section I - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date None Section II - Applications Subject to Both Newspaper and Federal Register Notice West One Bacorp, Boise, Idaho, to acquire West One Bank, Oregon, F.S.B., Hillsboro, Oregon. * Newspaper: 9/20/91 Fed. Reg.: Not available Section III - Applications Subject to Federal Register Notice Only West One Bancorp, Boise, Idaho, to expand the Fed. Reg.: geographic scope of trust company activities to include the State of Washington by establishing West One Trust Company, Washington, Bellevue, WA. 9/17/91 The Tokai Bank, Limited, Nagoya, Japan, to engage in futures merchant commission activities by acquiring 25.04 percent of Indosuez Carr Futures, Chicago, Illinois. Fed. Reg.: Not available West One Bancorp, Boise, Idaho, to acquire Est One Interim Federal Savings Bank, Hillsboro, Oregon, which will be merged with Washington Federal Savings Bank. Successor to the merger will be known as West One Bank, Oregon, F.S.B., Hillsboro, Oregon. Fed. Rea.: Not available West One Bancorp, Boise, Idaho, to engage in mortgage banking activities by acquiring Ward Cook, Inc., Portland, Oregon. Fed. Reg.: Not available Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice None FEDERAL RESERVE BANK OF SAN FRANCISCO ( c o n t 'd .) Week ending 8/23/91 Section V - Availability of CRA Public Evaluations Information about a particular institution's CRA evaluation may be obtained directly from the institution. Institution Location Placer Bank of Commerce P.0. Box 1168 Roseville, CA 95661 Tel: (916) 786-7905 * Subject to CRA Examination Date 5/13/91
@FedFRASER